seriously, How do you cope with such lack of funds you have to consider priorities – shall I buy cheese or yogurts etc.
I know it is a nisoyin etc but find it hard to cope with. Any ideas??
1: Daven. God is bigger than your budget issues.
2: Make a budget, and figure out where the money is going.
3: Speak to your creditors. Often, people to whom you own money will accept less than the full amount if you can pay now. Borrow from a Gemach to pay less, and pay back the Gemach over time. Others may accept payment in kind (such as doing work) or objects.
4: Come up with a plan. Move somewhere less expensive with a better job market. Think outside the box. Open a business, try getting hired by a chain (e.g. WalMart) or the government. Have one spouse work the night shift to save on babysitting.
5: Rely on family for temporary help. They may also hire you for odd jobs (think babysitting) if they know that you need the money, instead of hiring someone outside the family.
6: Daven. God is bigger than your budget issues.
To everyone else: Everyone has to deal with spending priorities, even if it is “do I give to the Meshulach or to my local Yeshiva”. Recognizing the there are limits for everyone is critical in life.